Alongside winners from Victoria and Queensland, the lucky locals will receive almost $28 million to spend as they please - after squaring things with the bank, of course.

''First of all we'll pay off our mortgage then we'll settle the kids' mortgages,'' the local winner told Tatts Lotteries representatives earlier this week.

''There are some other relatives we'd like to take care of too, they've been good to us.'' The family bought their winning ticket during a recent holiday on the coast, gaining them what is believed to be the biggest win by a Canberran. It's almost $8 million more than the prize money won on a ticket bought in Curtin in 2009, and more than four times the payout from a Manuka-bought win last year.

While the mystery winner said he would be celebrating with a beer, his family's recent windfall allows for much more than a few schooners at the local pub.

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With almost $28 million hitting their bank account in the coming fortnight, the lucky Canberrans have enough funds to sell up and buy all three properties on the market in the city's own millionaires' row, Mugga Way.

The trio of properties includes the former home of Sir Frank Packer, priced at a modest $4.75 million - or just under $1000 per square metre.

Agent Richard Luton said property would be a great investment for the winners, who could also pick up a fourth home in Yarralumla for the comparatively cheap price of $2.68 million.

Not only has the five-bedroom home at 5 Macgillivray Street got what Mr Luton called ''wow factor'', it also boasts a wine cellar, pool and enough car space for six sets of luxury wheels.

''You can tell it's an expensive home,'' he said.

Or if they feel the need to get out of Canberra, the winners could book a cruise on the Queen Elizabeth for just $247,798 per couple - and that doesn't include the flights to Southampton.

For four months the winners could indulge in lobster Newberg with truffle-scented pilaf rice, served by their personal butler in their 771 square foot suite.

According to Jessica Bryden from Flight Centre Canberra, the package also includes champagne and strawberries on arrival.

As enjoyable as a round-the-world cruise sounds, financial advisers are warning that there are potential downfalls to striking it lucky.

Co-owner of Milestone Financial Services Darren Laudenbach said an influx of funds could create all sorts of strains on relationships, as friends and family come out of the woodwork armed with expectations.

''It's something like 90 per cent of winners after 12 months have no family, no friends and no money left.''

And Mr Laudenbach warned against going off to the real estate agent as a first post-win move.

Drastic changes such as selling up and moving to a different neighbourhood were the worst things winners could do.

''We have had a Lotto winner in our time and we suggested they not make any radical changes as long as they can hold out,'' he said. ''There's a lot to think about, it creates a lot of problems.''

As well as seeking practical advice, Mr Laudenbach said people coming into large amounts of money should undertake financial counselling.

''We call it neuro-finance - it's getting into their heads and figuring out what is important,'' he said.

''It's about trying to get their relationship with money right.''

Tuesday night's winners will have two weeks to absorb the news before collecting their quarter share of the jackpot.

Oz Lotto spokeswoman Zoe Knobel said winners would be encouraged to use the coming fortnight to seek professional financial help before travelling to Sydney to collect their enormous prize from the lottery headquarters.

''It's a really good time to sit back, let the news sink back and plan for your future,'' she said.

''We recommend [to] all of the winners, regardless of the size of the prize, that they do seek financial advice about how they can use that advantage to potentially invest for the future. We like to see it not just change someone's life, but set them up for life.''